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Stability in the Financial System (2024:1): A slightly better outlook in an uncertain environment
- Bank
- Insurance
- Markets
- Stability
- Published
- News
- Reports
- Payments
Published 2024-05-27 - smaller in recent years, FI makes the assessment that most households are able to make their loan service
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Firms continue to offer consumers unsuitable products
- Consumer
- Published
- News
- Reports
- Cryptoassets
- Save
- Consumer
- Insure
- Pay
- Borrow
Published 2024-05-08 - Expensive and complex products are unsuitable for most consumers. Despite this, firms offer such products on a broad front. This is one of the consumer risks…
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The Swedish Mortgage Market: Households need to have margins for an uncertain future
- Bank
- Consumer
- Stability
- Published
- News
- Reports
- Mortgage
- Borrow
Published 2025-04-07 - Tenant-owners associations' average loan per m2 was also higher in 2024.
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Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs
- Bank
- Insurance
- Markets
- Stability
- Published
- News
- Reports
- Payments
Published 2024-11-20 - The outlook for financial stability has improved somewhat in the past six months. Sweden continues to experience a mild economic downturn, but interest rate…
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Interest rate puts pressure on indebted households
- Bank
- Consumer
- Stability
- Published
- News
- Reports
- Mortgage
- Borrow
Published 2024-05-29 - In 2023, this percentage was approximately 5 per cent compared to 9 per cent in 2022.
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Open finance in Sweden
- Bank
- Insurance
- Markets
- Consumer
- Published
- News
- Reports
- Fintech
Published 2023-06-28 - Digitalisation introduces both opportunities and risks to the financial market. After conducting a new survey, FI has noted that broader regulation on how…
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FI Analysis No. 42: Gender differences in investment behaviour
- Bank
- Markets
- Consumer
- Published
- News
- Reports
Published 2024-03-18 - On average, women have a 0.13 per cent higher return in their stock portfolios than men do.
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FI Analysis No. 42: Gender differences in investment behaviour
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FI Analysis 48: Increasing number of Swedish loans become debt registered with the Swedish Enforcement Authority
- Consumer
- Stability
- Published
- News
- Reports
- Consumer
- Borrow
Published 2025-02-27 - borrowers with a new unpaid debt registered with the Swedish Enforcement Authority has increased by 23 per … This is an increase of around 23 per cent since 2020.
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Financial education continues to be important for strengthening consumers
- Consumer
- Published
- News
- Financial Literacy
- Consumer
Published 2024-10-18 - Many people find it difficult to make decisions about their finances. The majority of Swedes understand financial terms but are not knowledgeable about how…
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Updated Q&A on reporting under the Anti-Money Laundering Act
- Bank
- Insurance
- Markets
- Money laundering
- Published
- Reporting
- News
- Payments
Published 2024-12-02 - As we approach the starting point for the 2025 periodic reporting under the Anti-Money Laundering Act, a number of new questions have arisen. We have…
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FAQs – periodic reporting in accordance with the Anti-Money Laundering Act
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FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates
- Consumer
- Published
- News
- Reports
- Fintech
- Payments
- Cryptoassets
Published 2024-05-23 - More than half of Swedes who traded in cryptocertificates over the past six years have lost money on their investments. This is despite the underlying market…
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FI Analysis 44: Swedish Retail Trading in Cryptocertificates
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Our supervision priorities for 2024
- Consumer
- Stability
- Published
- News
- Sustainability
Published 2024-02-08 - Are consumers being offered the right services on the financial market? How is the sector delivering crucial services in an uncertain global environment? How…
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FI notifies the EU regarding the extension of the existing risk-weight floor for Swedish mortgages and commercial real estate
- Bank
- Capital requirements
- Stability
- Published
- Memos & decisions
- News
- ESRB
Published 2025-04-30 - Risk weight floors for mortgages FI decided to apply the risk-weight floor of 25 per cent for Swedish
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•Notification of intended extension to be taken under Article 458 (CRE)
•Notification of intended extension to be taken under Article 458 (RRE)
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AI increasingly common in the financial sector, but risk management is lagging behind
- Bank
- Insurance
- Markets
- Published
- News
- Reports
- Fintech
- Payments
Published 2024-12-06 - , while 46 per cent of the firms are currently conducting experimental projects or pilot studies.
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Financing of terrorism
- Money laundering
- Published
- News
Published 2016-03-15 - The national risk assessment regarding the financing of terrorism that was published in June 2014 identified a need to become more informed about and aware of…
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Understanding Terrorist Finance, Modus Operandi and National CTF-Regimes
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Decision regarding the countercyclical buffer rate
- Bank
- Stability
- Published
- News
- Countercyclical buffer
Published 2019-10-25 - The countercyclical buffer guide is set at 0.16 per cent.
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The countercyclical buffer rate will be raised
- Bank
- Stability
- Published
- News
- Countercyclical buffer
Published 2022-06-22 - FI has decided to raise the countercyclical buffer rate to 2 per cent, which is its neutral level. … FI therefore plans to raise the countercyclical buffer rate to its neutral level of 2 per cent.
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FI raises the countercyclical buffer rate
- Bank
- Stability
- Published
- News
- Countercyclical buffer
Published 2018-09-19 - FI has decided to raise the buffer rate from 2.0 to 2.5 per cent.
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How FI reviews money laundering risks in the financial sector in 2025
- Bank
- Insurance
- Markets
- Money laundering
- Published
- News
- Payments
Published 2025-03-10 - There is a high risk that the financial system is used by criminals to launder money and commit other crimes. In 2025, the Financial Supervisory Authority…
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FI prioritizes particularly vulnerable sectors to combat money laundering
- Money laundering
- Published
- Reporting
- News
- Reports
- Payments
- Cryptoassets
Published 2024-04-17 - Money laundering is a global problem that allows criminals to transact large sums of money without revealing their illegal activities. In order to counteract…
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Report: Prioritised risks in anti-money laundering and combating the financing of terrorism
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FI wants the EU to comply with Basel III
- Bank
- Basel
- Capital requirements
- Stability
- Published
- News
- Regulations
Published 2021-09-07 - It is therefore important that the global agreements are met in full, on time and in a consistent manner
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Joint letter: The EU should stick to the Basel III agreement
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Remuneration and conflicts of interest in Swedish insurance intermediaries
- Insurance
- Consumer
- Published
- News
- In-depth analysis
- Insure
Published 2025-11-19 - Finansinspektionen (FI) has conducted an in-depth analysis of remuneration and conflicts of interest at insurance intermediaries that distribute life…
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Remuneration and conflicts of interest in Swedish insurance intermediaries
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European Commission approves FI’s extension of the risk-weight floors
- Bank
- Capital requirements
- Published
- News
Published 2025-06-27 - and 25 per cent for Swedish corporate exposures secured on residential properties.
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Commission Decision of 24.06.2025: RRE
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Joint report to the Financial Stability Council
- Stability
- Published
- News
- Stability board
Published 2015-07-03 - When representatives of the Government, Finansinspektionen (the Swedish Financial Supervisory Authority), the Riksbank and the Swedish National Debt Office…
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FI raises the countercyclical buffer rate to 1 per cent
- Bank
- Stability
- Published
- News
- Countercyclical buffer
Published 2021-09-29 - Until then, the buffer rate will remain at 0 per cent. … FI lowered the countercyclical buffer rate from 2.5 per cent to 0 per cent in March 2020.
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FI’s view on automated investment advice
- Bank
- Insurance
- Markets
- Consumer
- Published
- News
Published 2017-02-22 - It is likely that automated services will play a greater role on the financial market. Finansinspektionen (FI) views an online market with simplified…
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FI withdraws authorisation for Intergiro
- Money laundering
- Published
- News
- Payments
Published 2025-06-18 - Finansinspektionen withdraws the authorisation of Intergiro Intl AB (publ) to issue electronic money.
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European Commission approves extension of the risk weight floor for Swedish mortgages
- Bank
- Capital requirements
- Published
- News
Published 2023-11-09 - the European Systemic Risk Board (ESRB) that FI intends to extend the current risk-weight floor of 25 per
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MoU between SRB, ECB, SNDO and FI
- Bank
- Published
- About FI
- News
Published 2025-01-31 - A Memorandum of Understanding has been signed between the Single Resolution Board (SRB), the European Central Bank (ECB), the Swedish National Debt Office…
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Decision regarding the countercyclical buffer rate
- Bank
- Stability
- Published
- News
- Countercyclical buffer
Published 2020-01-30 - The countercyclical buffer guide is set at 0.18 per cent.